Yearly cost at three spending levels
| Monthly spend | Crypto.com Card | KOSH |
|---|---|---|
| $500 | ≤ -$24 Basic (Midnight) | ≤ -$14 Everyday |
| $2,000 | ≤ -$96 Basic (Midnight) | ≤ -$32 Everyday |
| $5,000 | ≤ -$240 Basic (Midnight) | ≤ -$68 Everyday |
Net value per year: cashback minus conversion, FX, ATM and fixed fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | Crypto.com Card Basic (Midnight) | KOSH Everyday |
|---|---|---|
| Top-up and conversion fees | Not disclosed | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$96 | -$24 |
| ATM fees | $0 | Not disclosed |
| Annual, monthly and subscription fees | $0 | -$8 |
| Cashback | $0 | $0 |
| Net per year | -$96 | -$32 |
Fees
Crypto.com Card charges Not disclosed to convert or top up and 2% on spending in a foreign currency. KOSH charges 0% and 0.5%.
ATM withdrawals: Crypto.com Card 2% after €200 free a month; KOSH 1% + $1.
A virtual card costs nothing with Crypto.com Card and nothing with KOSH. A physical card costs €4.99 and $80.
Cashback and rewards
Crypto.com Card cashback: None. KOSH cashback: None.
Crypto.com Card tiers: Basic (Midnight): 0%.
KOSH tiers: Everyday: 0%.
KOSH: KOSH lists 10% reward points as coming soon. No reward is paid today.
Availability and KYC
Crypto.com Card is offered in 30 countries, including France, Germany, Ireland, Italy, Netherlands, Portugal and Spain. This entry covers the card for users with a residential address in Europe (EEA). Crypto.com publishes separate fee schedules for the US, UK, Australia, Singapore, Brazil and GCC markets.
KOSH does not publish a country list. KOSH says it supports onboarding in 90+ countries without publishing the list.
Crypto.com Card needs full KYC and KOSH needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
Crypto.com Card publishes a daily spending limit of €25,000, a monthly limit of €25,000 and ATM withdrawals of up to €2,000 a day.
KOSH publishes ATM withdrawals of up to $750 a day.
Crypto.com Card works with Apple Pay and Google Pay, and KOSH works with Apple Pay and Google Pay. Crypto.com Card issues a virtual card you can use straight away.
Custody and safety
Crypto.com Card scores 59/100. Licensing: holds a licence or registration outside the tier-one list (MiCA crypto-asset service provider authorisation, Malta Financial Services Authority). No incidents or enforcement actions found in the last 36 months. The e-money institution that issues the European card is not named on Crypto.com's public fee pages.
KOSH scores 44/100. Licensing: we could not confirm a licence for the card issuer on its own website. No incidents or enforcement actions found in the last 36 months. KOSH (Piers Technology Inc.) says it is a financial technology company, not a bank or a money services business, and that some services are provided by licensed partners it does not name. It says stablecoin holdings sit with regulated custodians.
Full reports: Crypto.com Card safety check and KOSH safety check.
About each card
Crypto.com Visa Card (Europe) is a custodial Visa card from Crypto.com (Foris DAX MT Limited in the EU). It tops up with USDT, USDC, BTC and ETH and its balance is held in EUR. Card rewards on the Plus, Pro and Private Level Up plans are advertised as up to 4.5%, but Crypto.com does not publish the rate for each plan in Europe, so only the Basic plan is modelled.
KOSH Card (formerly Copperx) is a custodial Visa card from KOSH (Piers Technology Inc., formerly Copperx). It tops up with USDC and USDT.
Which card fits you
Crypto.com Card fits if
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
KOSH fits if
- You spend in foreign currencies often, since its FX markup is lower.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
Read more: Crypto.com Card fees and details · KOSH fees and details · Crypto.com Card review